Take the offer?

Hello, 39yo working at a second tier tech company been here more than 6 years, TC around 750k. I had no savings before this job (in case you want to estimate my net worth now). I have a phd and strong -modern- nlp/dl skills.

For some reason i decided to go into a year long job search in quant finance, i got a few offers, never what I would consider the perfect offer, which I declined and now I have one, which is technically the most appealing, to join a known pod shop in a brand new pod. In terms of TC for the first two years you can assume it would be lower bounded by what I make now.

I am however scared sh**less about making this change. I feel there is a huge amount of risk I am unable to properly assess, that I'll sacrifice wlb big times, and of course that i'll probably fail.

I can rationally (?) see the upsides. The technical/learning part looks quite amazing. Last but not least something in me says that if things go well I may be able to stop worrying about work before I'm 50. But is this even true?

I'm looking for insights, comments, tough love, whatever you have.